Jonesboro, AR · Cert 15455
FDIC
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Jonesboro, AR · Cert 15455
FDIC
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | -0.25% | 0.73% | -1.08% | -0.43% | -1.87% | -0.04% | -0.50% | +58 bps | |
| Return on Equity | n/a | n/a | 11.94% | -17.78% | -6.84% | -30.20% | -0.63% | -7.26% | +1,052 bps | |
| Net Interest Margin | 2.53% | 2.49% | 3.68% | 3.36% | 3.50% | 3.60% | 3.08% | 3.01% | -35 bps | |
| Efficiency Ratio | 58.31% | 63.12% | 52.11% | 58.70% | 60.05% | 65.95% | 79.29% | 98.94% | +4,024 bps | |
| Non-Interest Burden | 1.07% | 1.26% | 1.46% | 1.59% | 1.67% | 2.01% | 2.16% | 2.96% | +137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.82% | 2.72% | -0.53% | -5.26% | -13.79% | -25.57% | -30.17% | -23.64% | -1,838 bps | |
| Loan Growth (YoY) | 12.56% | 10.25% | 3.53% | -4.18% | -11.26% | -21.65% | -30.48% | -29.68% | -2,550 bps | |
| Deposit Growth (YoY) | -0.40% | -0.86% | 1.26% | 2.18% | -8.32% | -17.51% | -24.91% | -20.56% | -2,274 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.68% | 1.01% | 1.68% | 4.14% | 3.80% | 5.54% | 1.76% | 2.83% | -132 bps | |
| Allowance / Loans | 1.39% | 2.76% | 2.82% | 3.38% | 3.52% | 5.74% | 6.39% | 6.01% | +263 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.16% | 9.45% | 9.58% | 8.72% | 9.82% | 8.22% | 9.09% | 12.86% | +414 bps | |
| Equity / Assets | 7.05% | 6.08% | 6.06% | 6.09% | 6.79% | 5.95% | 6.37% | 8.53% | +243 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.84% | 86.83% | 82.74% | 85.61% | 87.92% | 82.47% | 76.60% | 75.79% | -983 bps | |
| Liquid Assets / Assets | 1.21% | 1.66% | 1.67% | 0.52% | 0.56% | 0.00% | 0.09% | 0.10% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |